Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings. In North Carolina (NC), closings operate under a Quasi-Judicial (Clerk of Court Hearing + 10-Day Upset Bid) regime (90–120 days-day average timeline) with a 0.78% average property tax rate and $560/$100K landlord hazard insurance benchmark.
100% Replacement Cost Value (RCV), 6–12 month rent loss, and windstorm/flood compliance.